Lyman, NE
Lyman, NE's wildfire risk, in USFS's own numbers
USFS scores Lyman at the 41st national percentile for wildfire risk to structures (modestly above the national average for wildfire risk), a figure built from 272 real buildings rather than raw vegetation cover. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Lyman at the 40th percentile, close to its 41st-percentile risk score.
Where Lyman's buildings actually sit
Lyman rates 94.5% Minimal exposure against just 5.5% Direct and 0% Indirect — of 272 buildings counted, few sit close enough to burnable vegetation for USFS to flag them individually.
Lyman against the rest of the country
Lyman's 41st national percentile looks worse in isolation than its 24th ranking inside Nebraska does — this place is on the milder end for its own state, by 17 points. Among the 31,521 US communities USFS scores, Lyman ranks 18,688 for wildfire risk (1 is highest) and 22,445 by building count (1 is largest). Within Nebraska alone, it ranks 443 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
What this risk score means for insurance
Lyman's elevated wildfire rating (41st percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
With 94.5% of buildings rated Minimal exposure, Lyman gets less benefit from structure hardening than a Direct- or Indirect-dominant place would — the home-hardening guide explains why the zone matters.
More on how this number was built
Every one of the two percentiles behind Lyman's 18,688-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Lyman, see the exposure-zones guide.